Can I retire at age 35 with 1,390,000?

Use the below retirement simulation to view the chances of a successful retirement.
Confused? Try the simple retirement calculator
About Your Retirement ?
Current Age
Retirement Age
Current Savings $
Annual Deposits $
Annual Withdrawals $
Stock market crash:
Portfolio ?
% in Stocks:
% in Bonds:
% in Cash:
Modify Stock Returns:
0%
Modify Bond Returns:
0%
Modify Cash Returns:
0%
Modify Inflation:
0%
How much money do I need to retire?

This retirement calculator runs simulations based on past data from the S&P 500, 10 Year Treasury Bond, 3 month T-Bill, and US inflation. For each year of each simulation, a random return and inflation amount is chosen.

How to use: Enter your current age and the age when you retire. Then enter your current savings, the amount that you can save annually before you retire, and the amount that you plan to withdraw after retirement. Your annual deposits and withdrawals take inflation into account. For example, if you need $50,000 to live on in retirement using today's dollars, we will automatically take into account the cost of living for your retirement years. The same is true for your annual deposits. Next, decide if you'd like to simulate a stock market crash.

In the portfolio section, choose the makeup of your portfolio with stocks, bonds, and cash. Cash assumes that your money is stored in a savings account. You can then alter the future returns and inflation. For example, if the market has historically returned about 10%, but you think the future will be worse, modify the stock returns by -3%, and the future returns will average out to 7%. Investment fees can also lower stock market returns. Many index funds and ETFs offer extremely low fees and expenses.

Many people receive income in retirement, such as social security, pension plans, part time jobs, annuities, and other benefits. This would allow you to take out smaller distributions every year. Please note that taxes must also be considered, but are not used in this simulation. A 401k, Roth IRA, and Traditional IRA are taxed differently than a standard investment account, as are dividends.

Note: This assumes that the future is at least somewhat like the past. In reality, anything could happen. The Soviet Union collapsed, Japan's Nikkei Index is still well below its 1989 peak. Numerous other markets have changed drastically and never recovered. However, this online tool is helpful in retirement planning and estimating how much you might need for retirement, especially those hoping to retire early. We recommend receiving advice from a financial planner.

Want to retire with $1,390,000?

Depending on your rate of return and investment timeframe, you'll need to save this amount every month.
2%4%6%8%10%18.3%
1 years$114,785$113,762$112,765$111,791$110,841$107,121
2 years$56,824$55,766$54,740$53,746$52,781$49,071
3 years$37,507$36,444$35,421$34,435$33,487$29,901
4 years$27,850$26,790$25,777$24,809$23,883$20,450
5 years$22,057$21,004$20,004$19,056$18,155$14,885
6 years$18,196$17,151$16,166$15,239$14,366$11,260
7 years$15,440$14,403$13,434$12,529$11,683$8,741
8 years$13,374$12,346$11,393$10,510$9,692$6,912
9 years$11,767$10,750$9,813$8,952$8,162$5,541
10 years$10,483$9,475$8,555$7,717$6,955$4,487
11 years$9,433$8,435$7,532$6,716$5,981$3,664
12 years$8,558$7,571$6,684$5,891$5,183$3,010
13 years$7,819$6,842$5,972$5,201$4,520$2,485
14 years$7,186$6,219$5,366$4,617$3,962$2,060
15 years$6,637$5,681$4,845$4,117$3,489$1,714
16 years$6,158$5,213$4,392$3,687$3,083$1,429
17 years$5,736$4,801$3,997$3,312$2,734$1,195
18 years$5,361$4,436$3,649$2,985$2,431$1,001
19 years$5,025$4,111$3,340$2,697$2,167$839
20 years$4,724$3,820$3,065$2,443$1,935$705
21 years$4,452$3,559$2,820$2,217$1,732$592
22 years$4,205$3,322$2,599$2,016$1,552$498
23 years$3,979$3,107$2,399$1,836$1,393$420
24 years$3,773$2,911$2,219$1,674$1,252$354
25 years$3,584$2,732$2,055$1,529$1,127$298
26 years$3,409$2,567$1,906$1,398$1,015$251
27 years$3,248$2,416$1,770$1,280$915$212
28 years$3,098$2,277$1,646$1,173$826$179
29 years$2,959$2,148$1,531$1,075$746$151
30 years$2,829$2,028$1,426$987$674$128
31 years$2,709$1,918$1,330$906$609$108
32 years$2,595$1,814$1,241$833$551$91
33 years$2,489$1,718$1,158$766$499$77
34 years$2,390$1,628$1,082$705$452$65
35 years$2,296$1,545$1,012$649$409$55
36 years$2,208$1,466$947$597$371$46
37 years$2,124$1,392$886$551$336$39
38 years$2,046$1,323$830$507$304$33
39 years$1,971$1,258$777$468$276$28
40 years$1,900$1,197$729$432$250$24
41 years$1,833$1,140$683$398$227$20
42 years$1,770$1,085$641$367$206$17
43 years$1,709$1,034$601$339$187$14
44 years$1,652$986$565$313$170$12
45 years$1,597$940$530$289$154$10
46 years$1,544$897$498$267$140$9
47 years$1,494$856$468$247$127$7
48 years$1,447$817$440$228$115$6
49 years$1,401$780$413$211$105$5
50 years$1,357$745$388$195$95$4

Sample Expected Returns by Investment Class

How long will my money last in retirement? Person retiring at age 35 starting with $1,390,000, adding $4,247 every year, while hoping to spend $36,321 every year in retirement. These numbers increase with inflation.
Reality usually performs much different than the expected returns. This uses historical averages, but anything can happen. In general, riskier investments have greater returns on average, but more volatility in the short term.
Age Total: 100% Stocks Total: 100% Bonds Total: 100% Cash Total: 37/39/24 Blend
34$1,390,000$1,390,000$1,390,000$1,390,000
35$1,536,161$1,462,491$1,440,946$1,581,802
36$1,654,204$1,495,508$1,450,572$1,648,620
37$1,783,070$1,528,925$1,459,304$1,717,080
38$1,923,825$1,562,724$1,467,072$1,790,307
39$2,077,642$1,596,884$1,473,806$1,868,754
40$2,245,812$1,631,382$1,479,429$1,952,918
41$2,429,757$1,666,192$1,483,862$2,043,350
42$2,631,043$1,701,286$1,487,022$2,140,656
43$2,851,394$1,736,634$1,488,822$2,245,505
44$3,092,708$1,772,201$1,489,169$2,358,633
45$3,357,076$1,807,951$1,487,969$2,480,856
46$3,646,801$1,843,843$1,485,118$2,613,069
47$3,964,417$1,879,834$1,480,512$2,756,264
48$4,312,718$1,915,876$1,474,040$2,911,531
49$4,694,780$1,951,918$1,465,585$3,080,075
50$5,113,989$1,987,905$1,455,024$3,263,225
51$5,574,080$2,023,775$1,442,231$3,462,446
52$6,079,161$2,059,465$1,427,070$3,679,354
53$6,633,760$2,094,904$1,409,402$3,915,732
54$7,242,867$2,130,017$1,389,080$4,173,548
55$7,911,975$2,164,724$1,365,950$4,454,969
56$8,647,137$2,198,936$1,339,850$4,762,390
57$9,455,022$2,232,562$1,310,613$5,098,448
58$10,342,977$2,265,500$1,278,061$5,466,056
59$11,319,095$2,297,643$1,242,010$5,868,423
60$12,392,293$2,328,878$1,202,268$6,309,090
61$13,572,394$2,359,080$1,158,631$6,791,963
62$14,870,223$2,388,119$1,110,889$7,321,350
63$16,297,703$2,415,855$1,058,822$7,902,000
64$17,867,974$2,442,137$1,002,197$8,539,152
65$19,595,512$2,466,806$940,775$9,238,583
66$21,496,266$2,489,692$874,303$10,006,666
67$23,587,810$2,510,612$802,518$10,850,425
68$25,889,508$2,529,373$725,144$11,777,610
69$28,422,695$2,545,770$641,893$12,796,763
70$31,210,880$2,559,582$552,466$13,917,307
71$34,279,965$2,570,577$456,549$15,149,629
72$37,658,493$2,578,506$353,815$16,505,186
73$41,377,912$2,583,106$243,921$17,996,607
74$45,472,877$2,584,097$126,510$19,637,819
75$49,981,573$2,581,180$1,210$21,444,179
76$54,946,075$2,574,039$0$23,432,616
77$60,412,748$2,562,340$0$25,655,730
78$66,432,679$2,545,726$0$28,102,704
79$73,062,166$2,523,820$0$30,796,029
80$80,363,240$2,496,220$0$33,760,832
81$88,404,259$2,462,504$0$37,024,810
82$97,260,547$2,422,220$0$40,618,493
83$107,015,107$2,374,893$0$44,575,526
84$117,759,402$2,320,017$0$48,932,997
85$129,594,222$2,257,058$0$53,731,781
86$142,630,628$2,185,450$0$59,016,931
87$156,991,009$2,104,594$0$64,838,102
88$172,810,228$2,013,855$0$71,250,025
89$190,236,901$1,912,564$0$78,313,018
90$209,434,796$1,800,010$0$86,093,567
91$230,584,378$1,675,443$0$94,664,947
92$253,884,515$1,538,071$0$104,107,917
93$279,554,354$1,387,054$0$114,511,488
94$307,835,384$1,221,507$0$125,973,762
95$338,993,725$1,040,491$0$138,602,862
96$373,322,628$843,019$0$152,517,951
97$411,145,253$628,044$0$167,850,367
98$452,817,714$394,463$0$184,744,856
99$498,732,437$141,108$0$203,360,951
100$549,321,874$0$0$223,874,472